HomeTecSHIELD &SHIELD Plus

Membership Handbook

Our HomeTec products help you protect your most valuable investments.

Your Family

Your Home

Your Automobile

Yourself

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TotalProtect® Home Warranty Program . . . . . . . . . . . . . . . . .800-474-4047

Home Maintenance Program . . . . . . . . . . . . . . . . . . . . . . . . .800-474-4047

Auto Deductible Reimbursement . . . . . . . . . . . . . . . . . . . . .800-711-4280

Extended Service Protection . . . . . . . . . . . . . . . . . . . . . . . . .800-711-4280

Identity Protection PlusSM . . . . . . . . . . . . . . . . . . . . . . . . . . .800-541-9701

United Service Association For Health Care . . . . . . . . . . . .800-872-1187

United Service Association For Health Care Foundation . . .800-872-1187

A Closer Look . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

USA+ Internet Site . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

TotalProtect® Home WarrantyProgram . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Maintenance Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Homeowner and Rent Protection (ALL STATES EXCEPT TEXAS) . . . . . . . . . . . . . . . . .5

Extended Service Protection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Auto Deductible Reimbursement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Identity Protection PlusSM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

USA+ Benefits Protector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

USA+ Scholarship Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

USA+ Privacy Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

United Service Association For Health Care Foundation . . . . . . . . . . . . . . . . . . . .17

Membership Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

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A Closer Look…

Take a close look at everything you have as a member of USA+. The privileges of member-

ship include all of the benefits available with your particular membership program as well

as many "extras."

Customer Service

Our customer support staff is second-to-none. We are committed to serving all USA+ members

with a positive, CAN DO attitude. We pledge to honor you by conducting business with

integrity, by being respectful of your time, and by treating you with honesty and sincerity.

We will constantly strive to be the BEST, and to offer you the best.

Integrity of Service and Care

Over the course of time our provider relationships have grown and flourished as the needs of

our customers have grown. Integrity of service and sound business practices have solidified our

standing with these large provider organizations, and is the reason we are able to bring you the

most amazing and aggressive savings options in the country. We do good business because it

matters and we care.

Welcome To Our Family

The truth is we are more than just another benefits company. Many of our customers and employ-

ees have been with us from the beginning. “Stability” and “family” are the terms we hear from

employees and customers alike. We hope you will always feel at home with us. Let us know

your needs and we will find an answer for you. Having USA+ benefits is like having a little piece

of home with you wherever you go.

The Internet

Have a hands-on approach to your membership. When you are in the process of learning

something new about the benefits you now have at your fingertips, take a minute and search

the website, www.usahc.com for details and descriptions. You will be pleasantly surprised at

the money you can save.

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USA+ Internet Site

We’ve made it easy for you to access your USA+ benefits. As a matter of fact,

it’s right at your fingertips! Visit the USA+ Internet Site at www.usahc.com.

This site allows you to instantly tap into information on your benefits, with the con-

venience of requesting some of your benefits directly online.

To locate benefit information on the USA+ web site…

• Go to USA+’s address at www.usahc.com

• Select the “Members Only” tab, and when prompted, enter your user ID and pass-

word (login instructions listed on the webpage).

According to recent research, approximately 272 million* people in North America

have access to the Internet, and that number is consistently growing. So if you are one

of the several million people online, navigate your way to USA+ and enjoy the sav-

ings opportunities that are waiting for you.

* http://www.internetworldstats.com/stats.htm - March 2011

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TotalProtectGold® Home Warranty ProgramHow you benefit

A home warranty cannot prevent systems or appliances from breaking down, but it can helpyou avoid unexpected repair costs and make covered repairs or replacements easier and lesscostly. A $75 service fee* includes the following covered items in the HomeTec Shield Plan:Heating System, Heat Pump, Ductwork, Plumbing System, Electrical System, Water Heater,Range/Oven, Cooktop, Dishwasher, Built-in Microwave, Garbage Disposal, Ceiling Fans,Range Exhaust Fans, Central Air, Refrigerator, Garage Door Opener, Clothes Washer. Servicesmust be approved in advance. Plus you can use the Plan’s discount buying service for deep dis-counts on major brand appliances. If you choose the HomeTec Shield Plus Plan, it covers one

pool, one spa or one combination pool and spa.

The Home Warranty benefit becomes effective one month after your enrollment

date.*Additional charges may apply. See terms, conditions and limitations in your service

agreement.

How to use this serviceCall Total Protect Gold® Home Warranty Program at 800-474-4047 anytime, night or day - evenweekends and holidays - to ask questions or request service.

The TotalProtectGold® Home Service Agreement is issued by HomeSure Services, Inc., except in the following states

where it is issued by the identified entity: in AL, AZ, FL, IL, IA, MA, NV, NH, NM, NY, NC, OK, SC, TX, UT, VT, WA, WI

and WY by HomeSure of America, Inc., in CA by HomeSure Protection of California, Inc; and in VA and OR by

HomeSure of Virgina, Inc. Services are provided by independent tradespeople/contractors. TotalProtectGold® is a

service mark of Cross Country Home Services, Inc., Fort Lauderdale, FL 33355. Please see contract for actual

terms and conditions; benefits may vary by state.

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Can you afford not to have HomeTec Shield?

Total Projected Costs $6,975 - $24,400

AVERAGE REPLACEMENT

ITEMS COST RANGE

Furnace . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,500 - $4,500

Air Conditioning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,525 - $6,500

Oven/Stove/Range . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $300 - $2,500

Refrigerator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $550 - $1,500

Dishwasher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $300 - $900

Clothes Washer or Dryer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $300 - $750

Water Heater . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $500 - $1,500

Electrical System . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $650 - $2,000

Plumbing System . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $200 - $2,000

Garbage Disposal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $300 - $650

Ceiling Fans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $350 - $850

Garage Door Opener . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $500 - $750

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Home Maintenance Program

How you benefit

What would it cost to have a service professional come out once a quarter to make sure that allyour covered systems are working properly before any of your systems go out or breakdown? Notto worry, with HomeTec Shield it’s included at no additional cost or service fee required. Ourmaintenance Program will help protect you and your family from any future repairs or replace-ments and give you and your family the comfort to know that covered systems and appliances areworking properly before they break down.

Home Maintenance Program includes:• 17-point Heating/Cooling check• 16-point Plumbing check• 12-point Electrical Service list• 58-point Appliance service list which includes the washer, dryer, range, refrigerator,

dishwasher and microwave

How to use this serviceTo schedule your home review call 800-474-4047 for more information.

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Homeowner and Rent Protection

How you benefit

If your home suffers a loss and you have to live elsewhere, the additional expenses associated withmaintaining your primary residence as well as the expenses associated with maintaining temporaryshelter may be unbearable. Homeowner and Rent Protection Benefits, will help to ensure that youand your family will have adequate shelter.

Benefits include:

• Homeowner Deductible Reimbursement: Up to $1,000

• Emergency Cash (Loss of Use Coverage): Up to $1,000

• Rent or Mortgage Reimbursement: Up to $1,000(Up to $1000 per month for six months)

• Emergency Lodging Coverage Expenses: Up to $1,500(Up to $250 a night for six nights)

The Home Deductible Reimbursement benefit is payable when there is property damage resulting in a covered claim, and the amount paid by your insurance company exceeds the deductible limit.

Emergency Cash and Emergency Lodging are payable when your homeowner’s insurancecompany renders your primary residence uninhabitable.

Rent or Mortgage Reimbursement is payable when a loss covered by your homeowner’s insurance company renders your primary residence uninhabitable for at least two consecutive days.

For complete information on the terms, conditions and exclusions please refer to the Certificate of Insurance or Policy that was

included in your fulfillment kit.

How to use this serviceShould a loss occur and you need to file a claim, please call 1-800-711-4280 to report Your claimwithin 45 days of the date of Your Covered Loss, or as soon as reasonably possible.

A representative will ask you questions regarding the nature of your claim, and based on the benefityou are attempting to use, you will be required to complete the claim form and submit supportingdocumentation. For specific information regarding the information that should be submitted when

filing a claim, please refer to the Certificate of Insurance included with your membership kit.

Auto Deductible Reimbursement, Home Deductible Reimbursement, Emergency Cash, Rent or Mortgage Reimbursement, andEmergency Lodging and Extended Service Protection are underwritten by Virginia Surety Company, Inc. under group insurancepolicy form numbers CSIC-ADR-GMP (05/2002), HPP-B/O-GMP (05/2003) and GEN_GP (05/2006). This is only a brief descriptionof these coverage benefits. Complete details of the terms and conditions of coverage including eligibility requirements, exclu-sions and limitations can be found in your membership fulfillment kit. Home Deductible Reimbursement is not available in NewHampshire and New York. Emergency Cash, Emergency Lodging and Rent/Mortgage Reimbursement are not available in Alaska,Florida, New Hampshire and New York.

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Extended Service ProtectionHow you benefit

Extended Service Protection doubles the original manufacturer's warranty time period up to

twelve (12) months and provides coverage similar to the original manufacturer's U.S warranty or

store brand warranty on many items you purchase while you are a member. This benefit will

provide similar coverage as given by the original manufacturer’s U.S. warranty or store brand

warranty. If an item comes with an original manufacturer’s U.S Warranty or store brand warranty

that exceeds twenty-four (24) months this coverage does not apply. Coverage begins the day after

the original manufacturer's U.S. warranty or store brand warranty expires.

Coverage is limited to the actual repair or replacement cost or the cost of the item as recorded on

the sales receipt up to $1,000 per claim and a total of $5,000 per member, per year. Coverage

is excess of any other applicable insurance or indemnity.

Typical Items covered by this benefit: Home Appliances (not built-in), Audio Equipment, Desktop

Computers, Laptop Computers, Televisions, Power Tools, and Home Electronic Equipment.

For complete information on the terms, conditions and exclusions please refer to the Certificate of Insurance or Policy that wasincluded in your fulfillment kit.

How to use this service

Call the Administrator at 1-800-711-4280 between 8:00 a.m.-7:00 p.m. (Eastern) Monday through

Friday upon discovery of an eligible item's failure, but prior to having the items repaired or replaced,

to report the failure and receive a claim form. You must report the failure to the Administrator with-

in thirty (30) days or Your claim may be denied. Repairs or replacements completed without the

Administrator's prior authorization may result in Your claim being denied.

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* Auto Deductible Reimbursement, Home Deductible Reimbursement, Emergency Cash, Rent or Mortgage Reimbursement,Emergency Lodging and Extended Service Protection are underwritten by Virginia Surety Company, Inc., 175 W Jackson Blvd,Chicago, IL 60604, under group insurance policy form numbers GP-MPC-GP (9.08), GP-MPC-GP-FL (9.08) and ESP-F-C-2X (1-07). This is only a brief description of these coverage benefits. Complete details of the terms and conditions of coverage includ-ing eligibility requirements, exclusions and limitations can be found in your Membership fulfillment kit. Auto DeductibleReimbursement and Home Deductible Reimbursement are not available in New Hampshire, New York and Puerto Rico.Emergency Cash, Emergency Lodging and Rent/Mortgage Reimbursement are not available in Alaska, Florida, New Hampshire,New York and Puerto Rico. Extended Service Protection is not available in Maine or Puerto Rico.

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Auto Deductible ReimbursementThe Auto Deductible Reimbursement benefit provides reimbursement for the deductible amount of

your auto insurance policy in the event your vehicle is involved in a covered accident and the

dollar amount needed to repair the damage exceeds your deductible.

How you benefit

In the event you or an eligible family member living in your household suffer a loss on any motorvehicle insured under your auto insurance policy, this coverage will reimburse you up to $500 ofthe deductible limit on covered auto insurance claims.

• Up to $500 of your auto deductible on covered auto insurance claims if the damage amountexceeds your deductible.

• Includes collisions, theft and vandalism, if covered under your auto insurance policy.

For complete information on the terms, conditions and exclusions please refer to the Certificate of Insurance or Policy that wasincluded in your fulfillment kit.

How to use this service

It’s simple. You must first file a police report within 48 hours of the accident. To make a claim,call us within 45 days of the incident at (800) 711-4280 and ask to speak with a ClaimsAdministrator.

A representative will ask you questions regarding the nature of your claim, and based on the benefityou are attempting to use, you will be required to complete the claim form and submit supportingdocumentation. For specific information regarding the information that should be submitted when

filing a claim, please refer to the Certificate of Insurance included with your membership kit.

* Auto Deductible Reimbursement, Home Deductible Reimbursement, Emergency Cash, Rent or Mortgage Reimbursement,Emergency Lodging and Extended Service Protection are underwritten by Virginia Surety Company, Inc., 175 W Jackson Blvd,Chicago, IL 60604, under group insurance policy form numbers GP-MPC-GP (9.08), GP-MPC-GP-FL (9.08) and ESP-F-C-2X (1-07). This is only a brief description of these coverage benefits. Complete details of the terms and conditions of coverage includ-ing eligibility requirements, exclusions and limitations can be found in your Membership fulfillment kit. Auto DeductibleReimbursement and Home Deductible Reimbursement are not available in New Hampshire, New York and Puerto Rico.Emergency Cash, Emergency Lodging and Rent/Mortgage Reimbursement are not available in Alaska, Florida, New Hampshire,New York and Puerto Rico. Extended Service Protection is not available in Maine or Puerto Rico.

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Identity Protection PlusSM

CLC's Identity Protection PLUS sm program will counter the growing need of consumers who areconcerned about or have been victims of Identity Theft.

What is Identity Theft?

The short answer is that identity theft is a crime. Identity theft and identity fraud are terms used torefer to all types of crime in which someone wrongfully obtains and uses another person's personaldata in some way that involves fraud or deception, typically for economic gain.

As a victim you are left with a ruined credit history and the time-consuming and complicated task ofregaining financial health. Identity thieves may even use your good name for criminal activities. Inmany cases, a victim's losses may include not only out-of-pocket financial losses, but also substantialadditional financial costs associated with trying to restore his reputation in the community and correct-ing erroneous information for which the criminal is responsible.

How you benefitCLC's Identity Protection PLUSsm assists consumers at the inception of a fraud related emergencyand is an affordable and expedient process that:

• Toll Free — Unlimited number of 30-minute telephonic consultations with trained FraudResolution Specialists.

• Within 2 Business Days — a Fraud Resolution specialist will perform a 7 step FraudResolution Emergency Response which includes assisting members with reporting fraud to:Credit Bureaus, Creditors, & Authorities.

• Identity Protection PLUS will provide a Free ID Theft Emergency Response Kit & ID TheftPreventative Education

• FREE Unlimited number of 30 minute legal consultations with the Identity Protection PLUS'network Attorney to discuss your Identity Theft legal issues, plus a 25% discount on any legalservices you may require to resolve your Identity Theft problems.

• FREE Unlimited number of 30-minute Mediation consultations with Identity ProtectionPLUS' national network of professional mediators. A member may elect to use mediation asa less costly way to resolve the Identity Theft issues. A 25% discount on any mediation serv-ice if member selects to use Identity Protection PLUS' network Mediators.

• Expense Reimbursement **Expense Reimbursement: (up to $25,000) maximum per policy period and **Unauthorized Electronic Funds Transfer (UEFT): (up to $1,000,000) maximum per policyperiod from your personal deposit account initiated by a person other than you without theactual authority to initiate such transfer and from which you receive no benefit.

• Deductible: No Deductible

• Lost Wages: $500 per week, for 4 weeks maximum.

Please refer to the Certificate of Insurance for complete terms and conditions of coverage,including eligibility requirements, exclusions and limitations.

** Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for

informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the

actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

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Terms and ConditionsExpense Reimbursement:

All reimbursement coverage must first be submitted and approved by our insurance carrier. TheID Theft Plan will cover losses related to Identity Theft up to the Expense Reimbursement limitssubject to the following:

Costs:

1. Reasonable and necessary costs incurred by you in the United States for re-filing applicationsfor loans, grants or other credit instruments that are rejected solely as a result of a stolenidentity event;

2. Reasonable and necessary costs incurred by you in the United States for notarizing affidavitsor other similar documents, long distance telephone calls and postage solely as a result ofyour efforts to report a stolen identity event and/or amend or rectify records as to your truename or identity as a result of a stolen identity event;

3. Reasonable and necessary costs incurred by the insured for up to six credit reports fromestablished credit bureaus (with no more than two reports from any one credit bureau) datedwithin 12 months after your knowledge or discovery of a stolen identity event.

Lost Wages:

Actual lost wages earned in the United States, whether partial or whole days, for time reasonablyand necessarily taken off work and away from your work premises solely as a result of yourefforts to amend or rectify records as to your true name or identity as a result of a stolen identityevent. Actual lost wages includes remuneration for vacation days, discretionary days, floatingholidays, and paid personal days but not for sick days or any cost arising from time taken fromself-employment. Coverage is limited to wages lost within twelve months after your discoveryof a stolen identity event.

Legal defense fees and expenses:

Reasonable and necessary fees and expenses incurred in the United States by you with our consentfor an attorney appointed by us for: 1. Defending any civil suit brought against you by a creditor or collection agency or entity acting

on behalf of a creditor for non-payment of goods or services or default on a loan as a resultof a stolen identity event; and

2. Removing any civil judgment wrongfully entered against you as a result of the stolen identityevent.

Unauthorized Electronic Funds Transfers (UTE):

Up to $1,000,000 maximum per policy period from your personal deposit account initiated by aperson other than you without the actual authority to initiate such transfer and from which youhave no benefit. A UTE does not include electronic transfer initiated: 1) by a person who wasfurnished the access device to your account by you, unless you have notified the financial insti-tution that transfers by such person are no longer authorized; 2) with fraudulent intent by you orby any person acting in concert with you; 3) by the financial institution of its employee; or 4)from any business or commercial account.

FREE ID Theft Emergency Response Kit

A comprehensive guide on "what to do " if you become a victim of Identity Theft. The Kit givesyou information on the most common ways identity thieves get your personal information, as wellas preventative steps to help you keep your identity out of the hands of identity thieves. Plus,many of your most frequently asked questions about Identity Theft. And, if you unfortunatelyhave someone steal your identity, a step-by-step guide to emergency actions to immediately takecontrol once you discover your identity has been stolen. It includes samples of required Affidavits,and suggested Letters of Notification.

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Highly Trained Fraud Resolution Specialist

Our highly trained Fraud Resolution Specialists™ are qualified fraud recovery professionalsrecognized for expertise and professional skill level. Our specialists are Certified under the FairCredit Reporting Act (FRAU) and are Certified as Interviewers under the FRAU. All specialistsare very experienced customer service professionals and the ID Theft Division Manager is alicensed attorney.

Limitation and Exclusions:

The program provides benefits to you only if you report a stolen identity event to us by the contactnumber stated above as soon as you become aware of a stolen identity event, but in no eventlater than six months after the stolen identity event occurs and you follow the instructions givento you in a claims kits that you will be provided. These instructions will include notifying majorcredit bureaus, the Federal Trade Commission’s Identity Theft Hotline and appropriate lawenforcement authorities. This claims kit will also instruct you how to file for benefits under thepolicy if the stolen identity event results in losses covered under the policy. You will only becovered if a stolen identity event first occurs while you are a member of the program and isreported to us within 6 months. You will not be covered if the stolen identity event first occursafter termination of the master policy or termination of your membership.

Limits Of Insurance

The most we shall pay you are the Limits of Insurance shown above. All Legal Costs shall bepart of and subject to the Aggregate Limit of Insurance. LEGAL COSTS ARE PART OF, ANDNOT IN ADDITION TO, THE LIMIT OF INSURANCE.

The Lost Wages Limit of Insurance shown above is a sub limit of the Aggregate Limit of Insuranceand is the most we shall pay you for lost wages.

Deductible

There is no deductible to be paid by you.

Other Insurance

We shall be excess over any other insurance, including, without limitation, homeowner’s orrenter’s insurance. If you have other insurance that applies to a loss under this policy, the otherinsurance shall pay first. This policy applies to the amount of loss that is in excess of the Limitof Insurance of your other insurance and the total of all your deductibles and self-insuredamounts under all such other insurance. In no event shall we pay more than our Limits ofInsurance as shown above.

Duplicate Coverage

Should you be enrolled in more than one membership program insured by us, or any of our affiliates,we will reimburse you under each membership program: subject to the applicable deductiblesand limits of liability of each insured membership program but in no event shall the total amountreimbursed to you under all membership programs exceed the actual amount of loss.

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How to use this service

Our Identity Protection PLUSsm is a confidential and easily accessible service that provides anadministrative structure for dealing with Identity Theft. By simply contacting CLC's customerservice at 1-800-541-9701, a member will receive a free 30 Minute Consultation with a trained andexperienced Fraud Resolution Specialist in our call center. Our professional staff and highly trainedspecialists are available to listen to issues, answer questions, and assist members with restoringtheir identity and good credit.

When a member contacts a Identity Protection PLUSsm Specialist and informs us of ID Theft wewill conduct the following seven emergency response activities:

1. Provide the member with a uniform ID Theft Affidavit, answer any questions with regards tocompleting the affidavit and counsel the member on submitting the affidavit to the properauthorities, credit bureaus, and creditors.

2. Furnish the member with separate fraudulent account statements for itemizing each fraudu-lent occurrence and advising the members on where to submit the statements.

3. Direct the member on where to report the fraudulent activity and how to notify the local andfederal authorities, and the fraud department of their creditors.

4. Furnish the member with the contact information for the three major credit-reporting agen-cies.

5. Advise the member on how to obtain a "free copy" of their credit report and how to place a"Fraud Alert" on their credit record.

6. Provide the member with an "ID Theft Emergency Response Kit." 7. Educate the member on how identity theft occurs and inform the member of protective meas-

ures to take to avoid further ID theft occurrences.

How to file a claim:

To file a claim, call CLC Incorporated at 1-800-541-9701 and ask for the ID Theft DivisionManager. An eligible claim will be filed under The Group Master Policy. If this Master Policy isterminated, your benefits will cease effective that termination date.

Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intendedfor informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please referto the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

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USA+ Benefits Protector

How you benefitMany individuals lose their job due to a company re-location, company downsizing or as the resultof natural disasters. For most individuals, loss of employment also means a monetary loss.

The Benefits Protector program helps cushion the impact of economic downturns that occur.Should you lose your job through no fault of your own, we will be there for you. Your member-ship dues will be waived and your membership benefits will continue for three (3) months.(Certain Terms and Conditions Apply).

Terms and Conditions

Eligibility

The member is eligible to apply for this benefit only if the loss of employment is not the result ofmisconduct connected with the Member’s work or if the member did not voluntarily quit his/herjob. This benefit is not applicable to those individuals that were un-employed when they joinedthe association.

Waiting Period

The Benefits Protector Program is available to Members that have been a Member of USA+ in goodstanding for at least six (6) months. Please refer to the Membership Agreement for additional infor-mation on Good Standing.

Benefit Activation

The member must notify USA+ within 20 days of the loss of employment. Notice must be sub-mitted to USA+ at the following address:

P O Box 200905Arlington, Texas 76006-0905

Upon receipt of the written request, USA+ will send the member a Benefits Protector applicationto complete and return to USA+.

Proof of Loss

Only those applications where USA+ is able to validate and confirm the reason why the Memberlost employment will be accepted. If loss of employment was the result of misconduct connect-ed with the Member’s work or if the member quit his/her job voluntarily, the member is not enti-tled to receive this benefit.

Effective Date:

The effective date of the Benefits Protector will be equal to the last paid to date of theMember’s USA+ membership prior to the loss of employment.

Termination Date:The termination date of the Benefits Protector is 90 calendars days from the effective date.

To continue benefits beyond this date, the member must submit the required membership dues.Please refer to the Membership Agreement for additional information on retaining your member-ship benefits.

Exclusions

This benefit can be activated by the primary member only. Dependents, including spouse andchild, are not eligible to activate this benefit.

This benefit is available only once in a 12-month period. The initial benefit period begins afterthe Member has been a member in good standing for six (6) months. The 12-month period beginson the termination date of the last usage period and continues for 12 continuous months.

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How to use this benefit1. Notify USA+ within 20 days of the loss of employment. Notice must be submitted to USA+ at the follow

ing address:

P O Box 200905Arlington, Texas 76006-0905

2. Upon receipt of your written request, USA+ will send you a Benefits Protector application to complete andreturn to USA+.

3. When the completed form is received, USA+ will contact your former employer and validate the reason forseparation.

4. If the employer confirms that the loss of employment was not the result of misconduct connected with yourwork and you did not voluntarily quit, you will receive a letter from USA+ confirming the continuation ofyour USA+ membership.

5. If the employer is not able to confirm your loss of employment, you will receive a letter from USA+ statingthat we are unable to continue your membership.

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USA+ Scholarship Program

United Service Association For Health Care (USA+) is a non-profit corporation chartered inWashington, D.C., in 1983. The organization was formed to promote the adoption of equitablehealth care policy in the United States, engage in nonpartisan research, study and analysis for thebenefit of the general public regarding the health care system and on occasion; publish the resultsof our research.

USA+ is committed to the promotion of equal access to health care for all Americans. In order toensure equal access to health care, it is important that there are sufficient medical providers availableto serve the public. For that reason, USA+ developed a scholarship program. This program willprovide scholarships to outstanding high school seniors that show promise of continued academicperformance. This program is only available to dependent children and grandchildren of USA+members and will allow deserving students to attain their educational goals.

Award

USA+ will award five (5) scholarships each academic school year. The scholarships are payableat $1,250 per semester and $2,500 per school year, for a total of four semesters (Fall and Spring)and a total award of $5,000. The award is only applicable to students whose degree program is ina medical related field.

Eligibility

Members that have maintained good standing for at least six consecutive months are eligible tosubmit a scholarship application on behalf of their dependent children and grand children.

Good Standing

Good Standing shall mean the status of a Member whose Membership dues have been paid currentand no Membership dues are or have been past due. If the Member neglects to pay the requireddues in any given month, the Member is not eligible.

Scholarship Award Criteria

Applicants scheduled course of study must be a medical related field and the recipient must be afull time student (minimum of 12 hours per semester). The selection criteria that will be used willinclude the following:

• Academic achievement, including grades, rank in class, standardized test scores andachievement test scores. Student must have a minimum GPA of 3.0

• Community/extracurricular involvement• Leadership• Participation in specific activities• Awards and recognition• Work history

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• Personal or family attributes• Field of Study: Must be health care related, such as: Nursing, Radiology, School of

Medicine, Nuclear medicine, etc.

Application Process

Applications are available year round and can be obtained by contacting USA+ at 800-872-1187.Applicants should complete and submit an application and attach the following documents:

• ACT or SAT scores• High school diploma• Letter of acceptance from the educational program director• High school transcripts

The application should be submitted by June 30th and should be mailed to:United Service Association For Health CareScholarship Review CommitteeP.O. Box 200905Arlington, TX 76006

Scholarship Notification Process

The scholarship review committee will review the applications. Final determination regarding theaward will be made by July 23rd and notification letters will be sent via US mail. Award checkswill be made payable to the college/university.

Scholarship Renewal Award Criteria

After the initial award is extended for the first semester, in order to continue to receive an awardfor the following subsequent semester, the student must provide a certified copy of their transcriptthat reflects a minimum GPA of 3.0 with at least 12 hours earned. The information should be sub-mitted to:

United Service Association For Health CareScholarship Review CommitteeP.O. Box 200905Arlington, TX 76006

This process must be completed for the three semesters that follow the initial application andaward process.

Promotion/Publicity

Award recipients will be listed in the USA+ Total Health and Wellness Magazine. Employees ofUSA+ and contracted marketing companies and their dependents are not eligible for this program.

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USA+ Privacy PolicyYour right to privacy is very important. We recognize that when you choose to provide us withinformation about yourself you trust us to act in a responsible manner. We believe this informationshould only be used to help us provide you better service. That's why we have put a policy in placeto protect your personal information. Below is a summary of our policy.

The Information We Collect

United Service Association For Health Care (USA+) collects personally identifiable information fromour members at time of enrollment. This information may include: Name, social security number,phone number, date of birth, billing address and shipping address and billing/payment information.

How Do We Protect The Confidentiality and Security of Your Information?

We maintain physical, electronic and procedural safeguards to ensure your personal informationis treated responsibly and in accordance with our privacy policy. Our policy includes restrictingaccess to those who need to know this information in order to provide products or services to you.

To Whom We Disclose Personally Identifiable Information

In order for you to be able to utilize the benefits, we may disclose personally identifiable infor-mation that is required in order to confirm your eligibility status. However, there are times whenUSA+ will be required to provide your personal information without your authorization.Examples include, but are not limited to: requests from law enforcement, in response to a subpoena,in answer to a court order, in response to a request from your state Department of Insurance.We may also disclose your personal information when we, in our sole discretion, believe thatdisclosure is necessary to prevent violations of the law, injury to a person or property.

How You Can Change Your Information and Preferences

Because your account information is stored offline for added security, there is no provision foryou to manually edit your account. You are unable to directly update, correct or delete your infor-mation. Please contact USA+ to modify your information by using any of the following methods:1. Email – www.usahc.com2. Send mail to – 1901 N. Hwy 360, Grand Prairie, Texas 750503. Call USA+ at 1-800-872-1187

Notification of Changes

If we change our Privacy Policy, we will post the changes on our web site, so you will always beaware of what information we collect, how we use it, and under which circumstances, if any, wedisclose it. We are dedicated to protecting your personal information, and will make every reason-able effort to keep that information secure.

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United Service Association For Health Care

FoundationHow you benefit

Through membership in USA+, you have the opportunity to contribute to the United ServiceAssociation For Health Care Foundation and assist worthwhile charities, community programs andnational research projects.

Each year, USA+ returns much needed grant money back into members’ local communities byawarding Community Service Grants nationwide. This program, now in its nineteenth year, hasawarded nearly 7 million dollars to worthwhile local organizations.

The USA+ Foundation receives its funding from USA+ membership dues. One dollar per month fromeach membership is donated to the USA+ Foundation. This money is then given in the form of grantsto charitable causes.

Charitable organizations that receive funds from USA+ member contributions include: American

Diabetes Association, Cystic Fibrosis Foundation, Muscular Dystrophy Association, and St. Jude

Children’s Research Hospital® just to name a few.

How to use your benefit

Throughout the year, funded programs are featured in Total Health & Wellness magazine. These arti-cles spotlight how grant recipients are utilizing foundation monies to make a difference.

The United Service Association For Health Care Foundation can receive donations from busi-nesses, other foundations, and individuals. If you want to make an additional tax-free donation,please send it to:

United Service Association For Health Care FoundationP.O. Box 200905

Arlington, TX 76006-0905

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United Service Association Membership AgreementMember understands that this is NOT an insurance plan or program. This Agreement is made andentered into by and between United Service Association For Health Care (hereinafter referred toas USA+) and each Member and Eligible Person (as hereafter defined). USA+ agrees to makeavailable certain programs and services to the Member as described herein, during the term hereof,subject to the conditions, exclusions and limitations set forth in USA+’s agreement with eachprovider of such programs and services.

Article I Definitions1.01 “Membership Dues” shall mean the monies payable to USA+ for the services provided to

the Member. Member shall have the option of remitting Membership Dues on a monthly, quarterly (monthly dues multiplied by 3), semi-annual (monthly dues multiplied by 6) or annual basis (monthly dues multiplied by 12).

1.02 “Family Membership” shall mean Member and all eligible persons constitute one entity.

1.03 “Member” shall mean a person who (a) makes application for membership in USA+ andwhose application for such membership has been accepted; and (b) becomes and remainsa dues-paying member in good standing of USA+ as evidenced by the records of USA+.

1.04 “Good Standing” shall mean the status of a Member whose membership dues have been paid current and no membership dues are past due. If the member neglects to pay therequired dues in any given month, the Member is not eligible to receive any benefits andor services that would have been available if the Member were in good standing. Furthermore, any services received where a Member was not in good standing shall not becovered.

To resume a status of Good Standing, Member must pay any and all unpaid membershipdues. Additionally, any Member whose status is other than Good Standing for more than45 consecutive days will be required to complete a new enrollment application, any associatedforms, and pay any required enrollment fees.

1.05 “Agreement Term” shall mean the period of time the Member timely pays the reoccurring monthly USA+ dues.

1.06 “Eligible Member” means the active dues paying Member.

1.07 “Member’s Handbook” shall mean the materials provided to the Member by USA+ uponthe person being accepted as a Member of USA+.

1.08 “Provider” means any person, company, corporation or professional available through aUSA+ Provider Network, which provides Eligible Services to Members.

1.09 “Retail Price” shall mean the usual and customer fees charged by a USA+ NetworkProvider to Members of the general public.

1.10 “Savings” shall mean an amount less than the retail price charged by a USA+ Provider Network. Savings may vary.

Article II - Services Available to Members2.01 Subject to the limitations and restrictions contained in this Agreement, USA+ will use its

best efforts to provide to all Eligible Persons during the Agreement Term certain programsand services. USA+ will use its best efforts to cause to continue the programs and servicesprovided as of the date the Member is admitted as a Member of USA+ and USA+ is under

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no obligation whatsoever to increase or enhance the programs and services.

2.02 USA+ may at any time and for any reason discontinue, cancel, amend, supplement or alterany one or more of the programs or services now or hereafter provided to the Member.

2.03 Each Member will be provided with a description of the programs and services availableand each provider of the programs and services. In order to be eligible to participate in aparticular program or service, the Member must strictly comply with the terms and provisionsof the program or service as described in the Member’s Handbook. Failure to do so mayresult in a loss of benefit to the Member.

Article III - Limit of Liability of Association3.01 USA+ MAKES NO REPRESENTATION OR WARRANTIES CONCERNING THE

PROGRAMS AND SERVICES, THEIR VALUE OR WORTH, OR THE PRODUCT(S)OR SERVICE(S) PURCHASED OR USED BY THE MEMBER OR ANY ELIGIBLEPERSON AND ANY AND ALL IMPLIED WARRANTIES ARE HEREBY DISCLAIMEDBY USA+.

3.02 USA+ shall not be liable or responsible to any Member or Eligible Person for any act, failureto act or any conduct whatsoever of any provider of program(s) or service(s).

3.03 USA+ shall not be liable to any Member, Eligible Person or any person accompanying orrelated to a Member or Eligible Person in connection with utilization of any of the programsor services.

Article IV - General Provisions4.01 All USA+ Members are entitled to a evaluation period of 30 days. The evaluation period

begins when the Member receives the Member’s Handbook and ends after 29 additionalcalendar days have elapsed or such longer period as may be required by state law. Shouldthe member elect to cancel and submits a cancellation request to USA+ during the evaluation period, the Member's membership will be cancelled and all Membership Dues paid toUSA+ will be refunded to the Member.All requests to cancel must be submittedto USA+ in writing, and signed by the Member. It is recommended that you mail the noticeof cancellation by certified mail, return receipt requested. Upon receipt of the cancellationrequest, USA+ will process the Member's request within 10 business days and cease all billing to the Member.

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4.02 USA+ will provide identification cards to all Members for their use in connection with theprograms and services. These cards, as well as other forms of identification should be carriedby the Members at all time to provide proof of the right to utilize the programs and services.

4.03 All arrangements, if any are necessary; to use any of the programs or services must bemade by the Member and the provider of the program or service.

4.04 The Member shall not contract, authorize or engage any service or expense in the name of or on behalf of USA+. USA+ is under no obligation to reimburse the Member should theMember independently authorize, contract or make payment for any service. USA+ has notand will not undertake a review of any such agreement(s) between a Member and a provider(s).

4.05 The foregoing Member’s Agreement constitutes the entire agreement between USA+ and theMember. If any provision is declared void or unenforceable under any law, that provision isseverable and the remainder of the Agreement shall remain in full force and effect. If anylegal action is brought by either party to this Members Agreement, it is expressly agreed that

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the party in whose favor final judgment shall be rendered shall be entitled to recover fromthe other party reasonable attorney’s fees in addition to any other relief that may be awarded.

This Agreement is performable in Dallas County, Texas and any action or suit brought toenforce or construe this Agreement shall be brought in Dallas County, Texas. ThisAgreement shall be governed and construed in accordance with the laws of the state of Texas. This Agreement cannot be assigned by the Member without prior written consent ofUSA+. For further information, call USA+ at 1-800-USA-1187.

4.06 Liability: USA+ does not provide any services, products, products liability, or guarantees ofany kind for any Member. Providers are independent contractors and are not employees oragents of USA+. The final selection of any professional is the Member’s choice alone. Should a Member have questions regarding a Provider’s qualifications, the Member shouldcontact the Provider directly. USA+ assumes no responsibility for any advice given by anyNetwork Provider nor shall USA+ be liable for the negligence or other wrongful acts or omissions of any provider providing services pursuant to this Agreement. The Member shall have no recourse against USA+ by reason of its availability for referral to a provider. Upon occasion a provider may offer special pricing for services, or Members may be eligiblefor savings through other plans. Members have the option of choosing to pay the providerdirectly or utilizing an alternate plan instead of USA+. USA+ does not guarantee a specificcharge from any specific Provider.

4.07 As a Member, you have 30 days from the date of service to notify USA+ Member Servicesif you believe you did not receive your savings. In order to review your complaint, you will need to submit your original receipt as proof of service, along with a letter stating the chargethat you expected to incur, and submit to USA+. Upon receipt, USA+ will contact theprovider and the results of our findings will be forwarded to you.

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TC_Shield_PlusHBCover_05.17.2012

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